Introduction

Fizz doesn’t charge overdraft fees. Instead, the card is engineered to prevent them: your spend limit mirrors your linked bank balance, purchases are auto‑paid daily, and the card locks if a payment is missed. Daily Autopay and SafeFreeze features help illustrate how this works. Note: your external bank could still assess its own overdraft fee if a separate withdrawal pushes your account negative before the daily ACH clears.

How decline‑at‑$0 works

• Real‑time spend limit set from your available bank balance; if it reaches $0, authorizations are declined.

• Daily Autopay pulls yesterday’s purchases; if funds are insufficient, SafeFreeze locks the card.

• No interest or late fees from Fizz; you have roughly a month to catch up before negative reporting.